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Regulated savings accounts
![Azur]()
Azur
Ideal for the savings you may need to use
- basic interest rate: for all amounts deposited into your account0,60
- fidelity premium: on any balance you keep in your account for 12 months0,30
The Azur savings account belongs to category A*. It is also subject to risks: bankruptcy risk and inflation risk (see below)
Please read the following document before opening an Azur savings account.
Key Information for savers: Savings account Azur (French)PDF![High Fidelity]()
High Fidelity
Ideal for savings you don't need right now
- basic interest rate: for all amounts deposited to your account0,30
- fidelity premium: on any balance you keep on your account for 12 months1,30
The savings account High Fidelity belongs to the Category A*. It is also subject to risks: bankruptcy risk and inflation risk (see below)
Please read the following document before opening a High Fidelity savings account.
Key Information for savers: Savings account High Fidelity (French)PDF
Category
Saving formulas from category A are “classic” savings accounts combining a base rate and a loyalty premium without any other conditions.
Basic interest rate
The basic interest rate is earned from the day after depositing the money in the account until the day on which it is withdrawn. The bank can alter the basic interest rate at any time. Interest at the basic interest rate is paid into your account on the value date (1 January) or when you close the account.
Loyalty premium
The loyalty premium is only earned on amounts that have remained continuously in the regulated savings account for 12 months after they are deposited.
If you withdraw your money before the end of the 12-month period, you will not receive a loyalty premium on that money. This withdrawal will not affect you earning interest at the base rate. This premium runs from the day after the deposit. A new 12-month accrual period starts on the day on which the loyalty premium is earned.
The bank can alter the loyalty premium rate at any time. The loyalty premium rate in force at the time of payment or the start of a new period remains unaltered for a period of 12 months.
Loyalty premiums that have already been earned are paid into your account on the first day following the quarter in which they were earned, i.e. 1 January, 1 April, 1 July and 1 October, or when you close your account.
Clients will be notified via email of changes in the rates show.
Costs
Opening/closing/management = free of charge Electronic statements = free of charge
Most important risks
- In case of bankruptcy or bankruptcy risk of the financial institution, the depositor bears the risk of not recovering its savings or may be subject to a reduction / capital equity conversion (bail-in) of the amount of claims he has on the financial institution above 100,000 euros, an amount that falls under the deposit protection mechanism.
- Inflation risk: the continuously rising prices may lead to a possible loss of value of your savings.
Belgian law & undetermined duration
The savings account(s) described on this page is/are regulated savings accounts of Keytrade Bank. These products are subject to Belgian law and are unlimited in duration.
Tax
There is no withholding tax due on the first interest tranche of
Complaints
If you have a complaint, please contact our Quality Care Service: qualitycare@keytradebank.com. If the complaint is not handled to your full satisfaction, you may submit it to the Mediation Service Banks Credit Investments: www.ombudsfin.be - ombudsman@ombudsfin.be